Umbrella Program

We represent multiple insurers for healthcare facility Umbrella/Excess liability, some on an exclusive basis. We look forward to working with you on your umbrella and excess liability opportunities.

A Few Facts About the Program:
  • Insurers: Various insurers rated by A. M. Best as “A-” or better
  • Type: Excess/Surplus Lines
  • A.M. Best Rating: A- / Excellent or better
  • Minimum Premium: $10,000
  • Maximum Capacity: $10,000,000
  • Minimum attachment:
    PL: $1,000,000/$3,000,000
    GL: $1,000,000/$3,000,000
    EBL: $1,000,000/$1,000,000
    AL: $1,000,000
    EL: $500,000/$500,000/$500,000
  • Min. A. M. Best rating for primary insurer(s): A- /Excellent (individual situations can be discussed)
  • S.I.R.: $10,000 or $25,000
  • Excess Professional: Always Claims-Made
  • Excess GL: Either Claims-Made or Occurrence
  • depending on primary
  • Policies – Auditable? No – Flat
  • Ineligible states: None
  • Commission to Agent: 10% (wholesaler brokers – inquire about our terms)
  • Installments Available? No
  • Advance Submissions: We accept submissions 120 days in advance of the normal expiration date.

Once you have developed the primary insurance terms, you can expect a response from us by the specified “due date” or within 15 days of our receiving a complete submission, whichever is sooner. When we are dealing with a particularly complex case we may require more time to finalize the excess terms. Submission documents should be transmitted electronically to: